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EPO vs POS Heath Insurance?
At my job we always had two choices of a POS plan (Empire Blue Cross), but this year they're raising the price of my current plan. But they added an EPO at the previous POS rate. What is the difference? Is it better or worse? All I've found out was that with the EPO, if I see a provider out of network, there's no coverage. Other than that what is the difference? I'm considering it because the new price of my current plan is getting out of hand. Thanks!!"


Do I need auto insurance in this case (I live in Texas)?
I'm looking a the Texas Minimum liability insurance requirements. They have a 30/60/25 policy. $30,000 & $60,000 policy for 1 and two people's medical, and $25,000 for property damage. Well I was interested in investing some money, and I'm absolutely SICK at the interest rates given at any bank or credit union. The best around here is .75% which STINKS! So I was curious if there is any type of insurance surety"" account. Basically"


Why do Democrats help insurance companies through healthcare policies but destroy small businesses?
Why do Democrats help insurance companies through healthcare policies but destroy small businesses?


On average how much is car insurance at 17?
on average for a ford ka 2000 a student girl driver (please dont recommend for me to go on go compare etc as i havent got the time thanks full points for best answer


The best Car insurance for a 19 year old.?
What Car holds the cheapest car insurance rating for a 19 year old ( first car ) Living in the southport area ?


Will my insurance go up?
i got pulled over for speeding 71 in a 60. with my new truck. well i don't have my insurance card yet in my truck yet. so i got a warning for the speeding so that's good. but i got a citation for not having my insurance card. but i have to go to court to show them i have it. will my insurance go up after that. also my insurance is state farm if that help.


My sister made me her beneficiary of her life insurance. Is this taxable.?
My sister made me her beneficiary of her life insurance. Is this taxable.?


"Boyfriend is on my insurance, but has left on my motorcycle and won't return it. What do I do?"
My boyfriend and I are on unsteady terms, as in, he is being incredibly untrustworthy and I've caught him in several lies. He was out of a car, out of a way to work, a few months ago and I signed for purchase of a motorcycle (I wanted one anyway) for him to use now and teach me later. Everything is entirely in my name, save for the insurance, which has both our names on it. My concern is, now that things are getting uncertain about our relationship, if he will not answer calls or texts and does not return the bike, what do I need to do in order to either get it back or file on insurance, even if the insured is the one that took it? I am very confused of where to go if this turns into a worst-case scenario."


Is there an affordable health insurance plan for someone who doesn't make a lot of money?
I'm 23 and I work 2 jobs. I go to school part time. After I pay all my bills I don't have much money left.


Voluntary life insurance?
Hi I have voluntary life insurance through my job my question is does voluntary life insurance have a cash value that I can borrow from I've checked all over for this info but no answers yet.


Is there a way to verify if someone is covered by auto insurance?
My daughter was in an auto accident where the other person was at fault. The insurance policy that she gave was canceled a little over a month ago. Is there some way we can check to see if this person has a new policy some where else? The car she was driving was a 2008 so I would assume she has a loan on it and that would require her to have full coverage.


"I moved to long island, port Jefferson area. Anyone know a really cheap auto insurance around here?"
By the way, I do not own a home, so I do not need home insurance. I just need auto insurance. And I currently do not have any auto insurance, I moved here from the west coast, I'm pretty new. Auto insurance there is cheap, but I can't find anything here!"


WHAT IS THE DIFFERENCE BETWEEN LIFE INSURANCE & GENERAL INSURANCE?
WHAT IS THE DIFFERENCE BETWEEN LIFE INSURANCE & GENERAL INSURANCE?


"If Obamacare is passed, why would employers bother to keep providing health insurance to their employees?"
If Obamacare is passed, why would employers bother to keep providing health insurance to their employees?"


How much is a visit to the ER with medical insurance?
How much is a visit to the ER with medical insurance?


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What insurance companies cover homeowners that have 2 claims in 1 year for homeowner's insurance?
We have excellent history as far as very few claims and always pay our bills on time. However, we had 2 water damage claims last year on our home. As a result, our insurance company doubled our rate and our policy is up for renewal in 2 weeks. Are there any companies that would cover us in spite of our 2 claims? Some companies simply tell us we are ineligible because of our 2 claims in 1 year."


How much should a car cost? Really.?
Just from some light browsing on the internet, it seems like they (the advertisers/car manufacturers) want us to believe that $30k is a reasonable median cost for a new car in the U.S. The price goes up disporportionately if they can call it a 'crossover' or the holy grail: SUV!!! $$$$$$$$ Assuming a person makes around $50k a year gross/ $30k a year net (is that a reasonable assumption for the U.S.?), and assuming the car will be worth close to $0 in 5 years, a $30k car works out to be around 20% of his or her income, not including gas repairs insurance et cetera. Is this reasonable? Is it sustainable? Are we heading for a 'correction' in auto pricing? or is the plan that we all just use financing tricks to perpetuate these exhorbitant prices?"


Competition in health insurance will lower cost right?
jacob - it is so nice to believe Adam Smith's theory is still alive in at least the mind of some people. although the facts show a much different picture concerning supply and demand in regards to the insurance industry. The Hmo was Nixon's baby. he signed the bill knowing the end result would be higher cost for the public, and more profit for insurance companies."


Insurance for Spanish registered car?
I live and work in the uk, but I have a car in the canary islands spain, I only return to the ca66naries about 6 times a year for a week at a time, does anyone know of an insurance company that can cover my car insurance for only 1 week at a time when I need it. The car is locked in my underground garage when not in use. I do not see the point in paying for a yearly insurance for a car that is only used for max of 6 weeks in the year. Its a Spanish plated car reg number"


What is the meaning of buy term life insurance online ?
What is the meaning of buy term life insurance online ?


Around how much would my car insurance be.?
I forgot to mention that i already have a car. Right now i drive a 2002 mitsubishi lancer es. I pay around $250 a month for insurance. So in hindsight, i guess im just looking for an answer of how much my rate will go up, since the Evo is more powerful. It's still a sedan, just with more power under the hood. The reason im asking is to see if i should even be looking to buy the car. I understand how insurance works, im just curious"


How much woul i pay for auto insurance on 2007 Hyundai Tiburon?
How much woul i pay for auto insurance on 2007 Hyundai Tiburon?


What does it mean to insure a body part?
I hear all the time that a certain celebrity has insured a body part for who knows how many millions, like kim insuring her butt, or Mariah Carey insuring her legs.. how does insuring work exactly ?"


Cavities before getting health insurance?
What are the rules with getting dental insurance. I am willing to pay monthly for it because I really need my teeth fixed. I heard you can't get any teeth fixed you had before the insurance and also you had to have the insurance for a certain amount of time before getting your teeth fixed. Who knows what the rules are about this?


Estimated teen car insurance in NY?
It is my grandfather's car and has insurance now from him but he is giving it to me and probably will add me to his plan.


I need to find cheaper heath insurance for just myself...?
For about two years since my brother got married and moved out of the house, my mom has been paying for a family plan through work with just herself and me covered by it (my parents are divorced and I only have the one sibling). Apparently, from rough estimates she gave me, if she just had a single plan for herself for both health and dental, it would save her roughly $250 a month. I didn't know about this until just recently but since I've learned about it, I want to try to help find some other way for me to be covered. I am a college student, with one more year left for my graduate degree. I only work part time so I can't get insurance through my employer. I have no idea where to start, but can someone point me in the right direction to some informational material or something?"


Anyone know any good love quotes??
Anyone know any good love quotes??


When you pay off a credit card is it better to reduce the credit limit or close the account?
I've heard that once you pay off a credit card you shouldn't close the account to keep a good credit score. I've also heard that even though one pays off his credit card reducing the credit limit is also not a good option for keeping a great credit rating. What is the best way to handle this situation if you don't really want the card around to prevent you from running the balance up, but also don't want to hurt your credit rating. Is there any way to find out what exactly affects one's credit score? Examples: Let's just say a website or book states something like filing for bankruptcy subtracts XXXX amount of points from your credit rating. Defaulting on credit card payments for XXX amount of months subtracts XXX amount of points from your credit rating. Paying off federal student loans adds or subtracts XXXX amount of points from your credit rating. Also is there anywhere that states how long certain things stay on your credit report?"


New Brunswick Motorcycle Insurance is based on...?
I will be moving to NB this summer (from BC), and was wondering how the insurance rates out there are determined. Here in BC there are a number of insurance brackets (based on displacement) which determine the base rate. All bikes in any one bracket pay the same, so a 600cc sportbike is cheaper than a 883 Sportster (these are only for liability, theft and collision are based more on $$ value). In general, is it the same in NB? Would I save money by going to a smaller bike (I currently ride a 1127cc Suzuki GSX1100G), assuming the actual $$ value of the bike was about the same? Does the type of bike matter? I'd ask an insurance agent, but they are usually pretty reticent to explain how their rates are determined. Hope you can help."


Motorcycle insurance Please Help?
So I'm looking into insurance for a bike I'll be getting soon and I did a estimated online check on Geico for my insurance and it says: Here is your quote for 12 months of coverage: Payments as low as $172.63 Your 12-Month policy is only $2012.00 Does that mean I pay $172.63 per month and $2012.00 a year? Sorry I'm new to this, never had to pay and figure out my own insurance! Just paid my father and he did the rest."


kemper insurance new york



Cheap Car Insurance for International Drivers License holder in the UK?
please i was told i could use my IDL here for a year. but to be able to drive my auntie's car i would have to get car insurance. i just need it for a couple of weeks. so please if anyone knows how i can obtain one please let me know thank you


Cheapest car to insure for new driver aged 17?
I looked for a quote on a 1994 renault clio 1.4 RT, which came up as 1059 per year, and also for one of the older eary 90's golfs, which was even higher at over 2000, for a 17yr old driver. I then looked at a 1.4l vauxhall corsa, 1993, which was still at least 1000 to insure. yet my friend managed to get insurance on her own policy for the same 1.4l corsa, at around 700 a year, and she had only been driving an additional 2 months more than me. and thats on the same insurance company too. Whats one of the cheapest cars possible to insure (within reason, preferably a half decent car haha) now, so i can see what my cheapest quote could be?"


Cheap car insurance for 18 year olds?
What type of cars have low insurance costs for young drivers and also which insurance providers have the best deals for new drivers? Thanks in advance!


Boat/yacht insurance rates?
Good morning. My husband and I have a desire to live on the sea, or at least out of a marina and probably west coast/California. We would most likely live full-time on small yacht (42-52 ft). Wondering if anyone can give me an idea what cost to expect for boat insurance. Cannot provide more info on the yacht because we have not purchased it yet. Just looking for ballpark estimates to help in my research. There was not a specific category for boating questions, do hope some experienced boaters find this. Thanks!"


How much is a car and insurance going to cost me when I turn 17?
I've got a few hundred pounds at the moment as I will turn seventeen in two months. I really want to start driving as soon as possible, but I'm clueless to how much it was cost me a year and what are good first cheap cars.. Also if anyone knows some good cheap car sites it would help, thanks :)"


My car insurance was canceled due to roommate has a DUI?
I live in Michigan and I have been advised by Hartford that my car insurance will be canceled in Feb. due to the fact that another person in this household has a DUI. They feel that this person could drive my car with or without my permission. They advised one of us needs to move in order to have the policy reinstated. Is this justified? What can I do?


"If Obamacare is cheaper, more affordable, and saves $2,500 per year, why does Obama need to allow 500,000?"
... or more people who were buying more expensive and worse insurance (and thus should be able to afford to buy the cheaper, more affordable and better coverage which saves them $2,500 per year) and how those terrible policies canceled.... why does Obama need to allow them to buy terrible coverage which focuses on catastrophic coverage instead of his far better and far cheaper plans?"


Are jeep wranglers expensive to insure?
are jeep wranglers more expensive to insure than other cars? and how much is the average insurance rate of one?


What is the average cost for motorcycle insurance for a ..39 year old?
What is the average cost for motorcycle insurance for a 39 year old?


Insurance deductible?
I have no accidents or tickets... I want to change my insurance company.. can I get that $500 deductible back???


I didn't sign up for the mandatory health insurance in MA- what's the fine?
I work part time so havent had the money to sign up and pay for the mandatory health coverage in MA- i just barely make my rent.... What's the penalty? Someone said it's a $1000 a month fine , another said I might face arrest... Great policy- it basically makes citizens slaves of the medical insurance carriers.."


"What does No Charge After Deductible in Network"" mean? Do I have to cover the entire cost of the Dr. visit(s) until I reach my deductible?"""
What does No Charge After Deductible in Network"" mean? Do I have to cover the entire cost of the Dr. visit(s) until I reach my deductible?"""


What would the insurance and maintenance cost be for these cars?
1995 Ford Escort LX sedan M/T 1996 Saab 900 SE V6 Automatic 1994/1995 Saturn SL 1/2 M/T Im looking to buy my first car soon and I have found good deals on these and since I will have to pay for the car, insurance, and gas myself, overall price stays in mind."


Buying health insurance for the first time?
I'm looking to buy health insurance, but not sure what type to get. I'm very healthy and have no children so it would be just for myself. Should I do a co-pay plan? HMO or PPO? Not sure."


New car insurance when to get it?
Bought a 2010 Toyota corolla s at rusty Eck ford my grandpa consigned for me and they took a copy of he's insurance to let me drive the car home on 60 day tag plates. Am I supposed to put the insurance right away or after the 60 day tags are over ? I'm in Wichita ks


kemper insurance new york